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Monday, 30 July 2012

Savings

One person I am not is a saver. This is very unfortunate as I really would like to be. I admire greatly those people who easily save "for a rainy day" or build a "little nest egg". One such person is my mother, she gains great pleasure in watching her nest egg grow. Me, I take after grandmother Betty on my dad's side. Shoes stacked under the bed, clothes with the tags still on. All carefully hidden away from my grandfather John. And although I may not be quite so bad as I concede to disliking waste of any kind, at the same time I do enjoy spending my pennies, and the more luxurious the goods, the better. When the banks try to tempt me into taking out one of their credit cards "in case of emergency", I quickly decline. Every day, week and month I have an emergency of some kind - the perfect handbag that is currently on sale, a gorgeous dress with only one left in my size or the most amazing pair of shoes that I absolutely must have to wear for that night out. So no, credit cards are not safe with me.

Lately though, I have an aim in mind. I have a rather special birthday looming next year and I would like to make it memorable. And while my tastes may change between this year and next, I know one thing and that is I need to get saving to to be able to achieve some of my dreams. I've made a small wishlist you can see in the collage above - somehow if it is visual I believe it will make the savings process a little easier. What about you - are you a saver or a spender? Do you believe in saving up for big luxurious purchases? Do you find it easy to save money, or like me, find it very very challenging?

13 comments:

I am a terrible spender and am in debt quite a bit. My mother would be HORRIFIED if she had any idea by quite how much. I used to be ok if I avoided shops but now I just buy on line. Damn the interwebnet.

lovely post. I am a saver but it was a learning process. I was always good with money, now I am even better. show off;) I buy only what I really like - my way is - if it meant to be mine it will be. I like searching for the 'perfect' thing and I would rather spend more and keep it longer than do fast fashion. + I always listen to my gut. I wish you all success in saving and I think the visionary chart idea is brilliant!

I hope you'll succeed. I promised myself to save money after my trip. It isn’t easy. I spend money on clothes and various goods to end up with dust. You are right about the credit card. It doesn’t help when you’re a spender. I hope you'll succed

i'm definitely more of a saver. though i buy new things ALL the time they're mostly cheaper things and i hardly ever splurge and get something luxurious for myself. i suppose it doesn't make must sense because the cheaper things will wear out faster than the long-lasting expensive things, but i can't resist a bargain! as long as it actually is a bargain, haha. plus living on a student and then an intern's income for almost my whole life so far, i've learned to live thriftily!

I know the feeling! I haven't been able to work this entire year because I've been immigrating to the UK and it's been very good for my self control. But I do value it when people can spend money, not just on anything, but the things that matter. <3

I am an obsessive saver! I make wishlist spreadsheets in Excel, use Pinterest to bookmark my favorite clothes, wait forever to purchase something.. it's great because I wear everything I own and don't have debt, thankfully. Sometimes it's a good thing, but other times it's terrible because I wait too long and the item I want ends up selling out or something. :( I guess there are pros and cons to being both a spender and a saver!